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Article: Do bank regulation, supervision and monitoring enhance or impede bank efficiency?

TitleDo bank regulation, supervision and monitoring enhance or impede bank efficiency?
Authors
KeywordsBank regulation
Supervision
Operating efficiency
Issue Date2013
Citation
Journal of Banking and Finance, 2013, v. 37 n. 8, p. 2879-2892 How to Cite?
AbstractThe recent global financial crisis has spurred renewed interest in identifying those reforms in bank regulation that would work best to promote bank development, performance and stability. Building upon three recent world-wide surveys on bank regulation (, and ), we contribute to this assessment by examining whether bank regulation, supervision and monitoring enhance or impede bank operating efficiency. Based on an un-balanced panel analysis of 4050 banks observations in 72 countries over the period 1999–2007, we find that tighter restrictions on bank activities are negatively associated with bank efficiency, while greater capital regulation stringency is marginally and positively associated with bank efficiency. We also find that a strengthening of official supervisory power is positively associated with bank efficiency only in countries with independent supervisory authorities. Moreover, independence coupled with a more experienced supervisory authority tends to enhance bank efficiency. Finally, market-based monitoring of banks in terms of more financial transparency is positively associated with bank efficiency.
Persistent Identifierhttp://hdl.handle.net/10722/192345
ISSN
2015 Impact Factor: 1.485
2015 SCImago Journal Rankings: 1.264
ISI Accession Number ID

 

DC FieldValueLanguage
dc.contributor.authorBarth, JRen_US
dc.contributor.authorLin, Cen_US
dc.contributor.authorMa, Yen_US
dc.contributor.authorSeade, Jen_US
dc.contributor.authorSong, FMen_US
dc.date.accessioned2013-10-24T01:50:05Z-
dc.date.available2013-10-24T01:50:05Z-
dc.date.issued2013en_US
dc.identifier.citationJournal of Banking and Finance, 2013, v. 37 n. 8, p. 2879-2892en_US
dc.identifier.issn0378-4266en_US
dc.identifier.urihttp://hdl.handle.net/10722/192345-
dc.description.abstractThe recent global financial crisis has spurred renewed interest in identifying those reforms in bank regulation that would work best to promote bank development, performance and stability. Building upon three recent world-wide surveys on bank regulation (, and ), we contribute to this assessment by examining whether bank regulation, supervision and monitoring enhance or impede bank operating efficiency. Based on an un-balanced panel analysis of 4050 banks observations in 72 countries over the period 1999–2007, we find that tighter restrictions on bank activities are negatively associated with bank efficiency, while greater capital regulation stringency is marginally and positively associated with bank efficiency. We also find that a strengthening of official supervisory power is positively associated with bank efficiency only in countries with independent supervisory authorities. Moreover, independence coupled with a more experienced supervisory authority tends to enhance bank efficiency. Finally, market-based monitoring of banks in terms of more financial transparency is positively associated with bank efficiency.-
dc.languageengen_US
dc.relation.ispartofJournal of Banking and Financeen_US
dc.subjectBank regulation-
dc.subjectSupervision-
dc.subjectOperating efficiency-
dc.titleDo bank regulation, supervision and monitoring enhance or impede bank efficiency?en_US
dc.typeArticleen_US
dc.identifier.doi10.1016/j.jbankfin.2013.04.030en_US
dc.identifier.scopuseid_2-s2.0-84878635228en_US
dc.identifier.hkuros238989-
dc.identifier.volume37en_US
dc.identifier.issue8en_US
dc.identifier.spage2879en_US
dc.identifier.epage2892en_US
dc.identifier.isiWOS:000320969600017-

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